Home Insurance (Mid/High Net Worth)
About the package
Our Mid to High net worth home insurance package is designed for owners of larger homes used as a main residence by the policyholder. All risks cover worldwide is given as standard along with a host of other additional covers.
Benefits
With our full cycle quote system, your client could be on cover in just a couple of minutes. Competitive premiums and an ability to discount further on referral mean that we are rarely beaten on price. With our market leading cover and ‘A’ rated insurer panel why would you need to look any further?
- Immediate cover and documentation
- Make policy adjustments at any time
- First class claims service
- 'A' rated insurer
- Up to £5,000,000 Buildings
- Up to £500,000 Contents
- £2,000,000 Property Owners Liability
- Pedal Cycles
- £50,000 Property in the Open
- £50,000 Family Legal Expenses
- Home Emergency
- Alternative Accommodation: Up to 36 Months
- Works Allowed Without Notification to Us: Up to £100,000
- Damage Caused by Domestic Pets: Up to £10,000
- Damage Occurring During the Sale of the Insured Premises: Insured
- Emergency Access: Insured
- Emergency Preventative Measures to Avoid a Loss Caused by Storm or Flood claim: Up to £5,000
- Environmental Upgrade Following a Claim: Up to £10,000
- Fatal Injury and Acquired Disability: Up to £100,000
- Fees, Expenses and Debris Removal: Included
- Forced Evacuation: Up to 120 Days
- Garden Cover: Up to 10% of the buildings sum insured
- Locating the Source of a Leak: Insured
- Precautionary Measures Following an Escape of Water Loss: Up to £5,000
- Removing Wasp, Bee or Hornets’ Nest(s): Up to £1,000
- Removing Trees from Vehicular Access: Up to £2,500
- Replacement Locks: Insured
- Reward for Information Leading to Arrest and Conviction: Up to £10,000
Package Benefits
- Temporary Removal of Fixtures and Fittings: Up to 10% of the buildings sum insured
- Additions and Substitutions to Household Contents, Fine Art and Antiques and Valuables: Up to 25%
- Alternative Electricity Generating Supply Cover: Up to £25,000
- Costs to Retrieve Personal Electronic Data Following a Loss: Up to £15,000
- Misuse of Credit Cards Following Loss or Theft: Up to £50,000
- Damage Caused by Domestic Pets: Up to £10,000
- Increased Value to Fine Art and Antiques Following Death of an Artist: Up to £100,000
- Defective Title: Up to £100,000
- Fatal Injury and Acquired Disability: Up to £100,000
- Extended Replacement on Contents, Fine Art and Antiques or Valuables: Up to 150% of the Sum Insured
- Freezer Contents: Insured
- Gifts and Presents: Up to £50,000
- Hire of Replacement Golf Clubs Overseas: Up to £250
- Hole in One: Up to £1,000
- Loss of Oil, Metered Water or LPG: Up to £10,000
- Loss of Rent Payable: Up to 36 Months
- Home worker liability
- Trace and access included
- Business equipment and stock
- Loss or Damage to Marquees Temporarily Hired: Up to £50,000
- Malicious Damage or theft of Memorial Stones: Up to £5,000
- Money: Up to £10,000
- Damage Whilst Moving Home: Up to 15 Days
- Parents Contents Whilst in a Nursing or Care Home: Up to £15,000
- Replacement Locks Following Loss of or Theft of Your Keys: Insured
- Reward for Information Leading to Arrest and Conviction: Up to £10,000
- Stamp, Coin and Medal Collections: Up to £25,000
- Contents Stored in a Commercial Storage Facility: Up to 25% of Contents Sum Insured
- Students Possessions at School, College or University: Up to £15,000
- Your Legal Liability as a Tenant for Accidental Damage: Insured
- Your Legal Liability as a Tenant for Damage to the Buildings: Insured
- Visitors and Domestic Employees’ Personal Effects: Up to £5,000
- Refundable on cancellation
- £500 excess
